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Standard Bank is committed to driving sustainable and inclusive economic growth, as reflected in our purpose – Africa is our home, we drive her growth.

We are committed to driving Africa's growth in an inclusive and sustainable manner, supporting a just energy transition.
2022 ANNUAL RESULTS HIGHLIGHTS
HEADLINE EARNINGS(Rm)
37%
R34 247
million
FY21: R25 021 million
HEADLINE EARNINGS PER SHARE(HEPS)
33%
2 087
cents
FY21: 1 573 cents
NET ASSET VALUE PER SHARE
6%
13 302
cents
FY21: 12 493 cents
DIVIDEND PER SHARE
1 206
cents
FY21: 871 cents
RETURN ON EQUITY(ROE)
16.4%
FY21: 13.5%
COST TO INCOME RATIO
54.9%
FY21: 57.8%
CREDIT LOSS RATIO(CLR)
75 bps
FY21: 73 bps
COMMON EQUITY TIER 1 RATIO
13.5%
FY21: 13.8%
The 2022 Annual Results presentation was held on Thursday 9 March 2023
Link here to watch webcastPlease be aware of a 15 minute delay on this reading
ZAR
R 152.90
Source: JSE LTD
During the year, we made good strategic and financial progress. More specifically,
- We delivered a broader range of attractive value propositions to our existing clients and grew our client base;
- We managed risk well and improved operational metrics; and
- We took steps to re-allocate capital to drive returns
We recognise that the strategic progress we have made in FY22 is the outcome of our clients’ trust in us, our employees’ resilience, our regulators’ and partners’ support, and our shareholders’ belief in our strategy. We strive to deliver increasingly attractive returns to our shareholders and continued net positive impact in the economies and societies in which we operate. We are confident we can deliver on our 2025 commitments to the market.
During 2021 we made good progress in three key areas.
1. We achieved franchise growth across all three of our core businesses.
2. We made good progress in developing new revenue streams by scaling up our digital platforms and partnerships.
3. We remained focused on the diligent allocation of capital to fund expansion, while carefully managing costs, and we successfully completed the Liberty minority buyout.

The successful execution of our strategy will deliver a robust business capable of creating sustainable value for all our stakeholders over the long term.

An African focused, client-centred, digitally enabled integrated financial solutions provider, which drives Africa’s growth and creates value for all our stakeholders.

We have updated our strategic priorities to clarify what we need to do to deliver our 2025 Ambition.

Presence in 20 sub-Saharan African countries, offices in five key global centres, offshore financial services and a strategic partnership with ICBC.

We continue to focus on our key performance indicators ensuring we measure what matters most in delivering our strategy.
RESULTS AND PRESENTATIONS
Our latest reports, disclosures and presentations
ANNUAL REPORTS
The full 2021 suite